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Commercial Bank, The

Crawford, GA · Cert 175 · TCB Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commercial Bank, The

Crawford, GA · Cert 175 · TCB Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$463.7MAssets
$348.2MLoans
$419.2MDeposits
$40.3MEquity
Loan mix
92%RE $301.6M6%C&I $20.3M2%Consumer $6.2MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $275.5M34%Noninterest $143.7MQ3 2024Q2 2026

Market Position · Athens-Clarke County, GA · 2026 SOD (annual) · 6.5% share · #7 of 19 inst. · $0.4B of $6.4B

59.3% Madison
69.3% Oglethorpe
5.4% Oconee
1.4% Clarke

Executive Summary

  • Earnings: ROA of 2.46%, up 11 bps year over year; NIM at 4.90%.
  • Asset quality: problem loans at 0.17% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.72%, up 31 bps from a year ago.
  • Funding: loans stand at 83.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.46%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.90%+9 bps YoY

Efficiency Ratio (YTD, annualized)

41.24%-219 bps YoY

Tier 1 Leverage Ratio

10.72%+31 bps YoY

NIM

5.67%Q2 ’246.07%Q2 ’256.02%Q2 ’26+19%+2%

Non-interest income vs. expense

2.01%Q2 ’242.40%Q2 ’252.27%Q2 ’26+29%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.15%2.13%2.32%2.35%2.36%2.29%2.46%2.46%+11 bps
Return on Equity33.08%32.04%32.13%31.85%30.80%29.19%29.31%29.01%-283 bps
Net Interest Margin4.16%4.50%4.71%4.80%4.85%4.74%4.84%4.90%+9 bps
Efficiency Ratio44.23%45.68%43.17%43.42%44.10%45.64%40.38%41.24%-219 bps
Non-Interest Burden1.44%1.64%1.63%1.68%1.73%1.79%1.58%1.66%-2 bps
Growth
Asset Growth (YoY)8.59%7.65%-3.26%-6.08%3.92%6.89%6.55%8.49%+1,456 bps
Loan Growth (YoY)10.57%9.68%7.32%6.92%4.42%7.62%9.12%11.94%+502 bps
Deposit Growth (YoY)6.15%7.19%5.12%2.21%2.68%5.37%5.23%7.24%+503 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.00%0.02%0.05%0.15%0.14%0.12%0.17%+12 bps
Net Charge-Offs / Loans0.02%0.02%-0.01%-0.01%-0.01%-0.01%0.01%0.00%+2 bps
Allowance / Loans1.76%1.78%1.80%1.78%1.81%1.78%1.77%1.70%-8 bps
Allowance Coverage of NPLs16.0xn/a93.6x37.1x12.3x12.6x14.6x10.2x-26.9x
Capital
Tier 1 Leverage Ratio9.19%10.41%9.89%10.41%10.77%10.77%10.34%10.72%+31 bps
Total Risk-Based Capital9.19%10.41%9.89%10.41%10.77%10.77%10.34%10.72%+31 bps
Equity / Assets7.50%7.23%7.24%7.70%8.48%8.49%8.28%8.68%+98 bps
Liquidity & Funding
Loans / Deposits77.74%75.22%75.96%79.58%79.06%76.83%78.77%83.07%+348 bps
Liquid Assets / Assets1.19%1.09%1.10%1.09%1.07%1.01%1.02%1.00%-9 bps
CRE / Total Capitaln/an/an/an/a353%341%351%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commercial Bank, The

Crawford, GA · Cert 175 · Peer group: banks under $1B in assets (n=581-629) · TCB Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$463.7MAssets
$348.2MLoans
$419.2MDeposits
$40.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets (rank 16 of 629).
  • Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets (rank 530 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.45%

Rank 52 of 629

Net Interest Margin

4.90%

Rank 31 of 629

Efficiency Ratio

41.24%

Rank 27 of 629

Equity / Assets

8.68%

Rank 505 of 629

Non-interest income vs. expense

$2.8M$10.4MINCOMEEXPENSE
Unfavorable gap of $7.6M · efficiency ratio beats 96% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.45%0.60%1.01%1.45%Beats 92%52 / 629n/a
Return on Equity28.23%5.38%9.30%13.28%Beats 97%16 / 629n/a
Net Interest Margin4.90%3.03%3.54%4.05%Beats 95%31 / 629n/a
Efficiency Ratio41.24%58.35%67.79%79.08%Beats 96%27 / 629n/a
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.46%1.20%Beats 68%189 / 581n/a
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 52%277 / 581n/a
Capital
Tier 1 Capital Ratio10.72%11.24%13.84%18.77%Beats 18%515 / 629n/a
Total Risk-Based Capital Ratio10.72%11.58%14.43%19.66%Beats 16%530 / 629n/a
Equity / Assets8.68%9.09%10.65%13.80%Beats 20%505 / 629n/a
Liquidity & Funding
Loans / Deposits83.07%67.24%80.90%93.48%52nd pctl283 / 594n/a
Loans / Assets75.08%53.31%67.71%78.15%66th pctl213 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution